Where to get a loan with a bad credit history, so as not to be refused. Banks that give money without checking the CI and delays

All banking organizations provide loans without any problems to those citizens who have a good credit history, an official salary, and a stable income. But what about those who, for some reason, had delays in loan payments? How can customers get a loan if they have a bad credit history? And what could be the reasons for such situations? All these questions are answered in this article.

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Reasons that badly affect your credit score

Credit history, that is, how all the client's loans were paid, can be positive and negative. If it is positive, then such a borrower is considered trustworthy, and if the current financial situation allows, the bank will provide him with a loan. Moreover, for customers with a good credit history, banks always offer individual conditions that are more profitable than usual.

With a negative credit history, everything is more difficult. The reasons that spoil the credit rating can be divided into those in which the client himself is to blame, and those in which circumstances are to blame.

Reasons for which the borrower is to blame:

1. Late payment of payments - any information about the payment of amounts is transferred to the Credit History Bureau (BKI). If the client makes a payment later than the date specified in the schedule, then such payment is considered overdue. In some banks, under the terms of loans, an additional 2-3 days are provided in addition to the date of write-off. But such an opportunity is rare. Being late for more than 5 days is considered a significant delay and is negative for credit history.

Sometimes even those borrowers who are conscientious, but pay loans through third-party organizations, may encounter such a reason, paying the amount directly on the date of the schedule. However, any organization that is not related to the bank that issued the loan can transfer funds up to 7 days. Therefore, in order to avoid such situations, you should carefully listen to the information on the repayment methods provided by the bank employee.

1. Making incomplete payment amounts - most often this is possible if the client does not take into account the amount of commissions of third-party organizations. In this case, the payment will be considered late due to the fault of the client. The amount credited to the account must not be less than that indicated in the schedule.
2. Failure to receive payments to the client's account on time - this reason should be distinguished from the first one by the fact that the client made the payment, but the third-party organization did not transfer it for some reason. In this case, the fault of the delay still lies with the client, he should pay the amounts in advance and control their receipt. If there is no money in the account, you should contact the company that made the transfer. As long as she investigates the payment is credited, the client needs to re-deposit the amount, preferably through the payment method that allows you to credit the funds instantly. Then there will be no delay, the credit history will not suffer, and the transferred amount from a third-party organization will go to pay for the next payment.
3. Payments per month in total account for more than half of the client's income. A strong debt load affects the borrower's credit rating in a negative direction. This suggests that a person cannot correctly correlate his income and expenses, and may face the fact that it will be impossible to pay such a large number of debts.

Reasons that are not the fault of the client:

• Making a loan by fraudsters (for example, using a photocopy of a passport) - such situations are possible when applying for loans for goods, where a decision is made in 5 minutes and there are practically no long checks. Photocopies of the passport are left, for example, when issuing SIM cards. The client learns about such loans when the bank starts calling him, or letters with a debt arrive or directly from the bank's collection service. The way out is to contact law enforcement agencies and the bank's security service. But it is important to understand that the situation is serious, it will take a lot of time to resolve it, and the bank will not be able to clear the credit history until it is proved that the client is not at fault.
• Issued a credit card without the knowledge of the client. This was possible when banks sent out credit cards by mail, and they could be used, for example, by an unscrupulous relative, posing as a borrower. The solution is the same as in the reason described above.
• The bank did not submit information to the Credit Bureau about the closing of the loan by the borrower. This also includes technical failures of banking organizations, when there was no write-off, although the funds were deposited on time. Employees carry out work to clean up the credit history and transfer information to the CBI.
• The collection agency to which the loan was sold did not transfer information about the closing of the debt to the BKI.

How long does a bad credit history last?

The credit history of each client is kept by the Credit Bureau. This is a commercial structure, a legal entity that is responsible for collecting, generating, processing and storing borrowers' data. The dossier of each citizen contains information about documents and places of residence and work, information about all loans taken throughout life and how they were paid, as well as about those organizations that applied for this data. The information is strictly confidential and can only be obtained at the request of the client or financial institution on the basis of certain and specific purposes.

It does not matter whose fault the credit history has suffered, it affects the possibility of obtaining a new loan by the client. To be sure of your credit rating, you should periodically, for example, once a year, order a credit history and view the facts of bank errors. Some financial institutions provide this service for a fee.

All data on the history of the borrower is stored for fifteen years. Any bank can get information. Such a period is impressive, there are no opportunities to change the data. Those who offer to clean your credit history for money are scammers and should be avoided.

4 easy ways to improve CI

The client himself can influence the improvement of his credit history in several ways:

1. if the fault of the bank is found - contact it in order to indicate the fact of their mistake - write a statement, complaint, so that the credit history is cleared;
2. close all current delays so that there are no active ones;
3. refinancing to reduce the interest rate;
4. take out small loans, such as installments, paying them on time to positively affect your credit rating.

The most important thing in the current situation is not to have active, active overdue debts. If the client applies to the bank and has outstanding debts without good reason, then the application will receive a negative decision. An exception may be refinancing, when a client wants to cover with a new loan at a lower percentage all his existing in other banks and good reasons - for example, an unexpected illness, disability or layoff at work. Consideration of applications in these cases is likely to be on an individual basis.

Video: How to get a loan with bad credit history and how to fix it. Credit doctor from SOVCOMBANK

Where exactly will the application be approved?

The decision to issue a loan is individual for each client of any financial institution. No company can give a 100% guarantee that a loan will be issued.

Parameters that affect the decision on the application:

• causes of damaged credit history;
• the presence of an official place of work and a stable income;
• the presence of active delinquencies and outstanding debts;
• providing documentary evidence of income - a certificate of 2NDFL or in the form of a bank;
• the possibility of providing a pledge - a car or a property.

How to get a loan with bad credit history:

1. apply to banks;
2. apply to microfinance organizations that provide urgent loans;
3. resort to other methods of obtaining loans (described below).

Each of these methods differs in requirements for the borrower, amounts and methods of obtaining.

Banks with bad credit history

First of all, customers should contact banks. Despite the fact that bad credit history is the most popular reason for refusal, there are cases when borrowers were approved for a loan.

There are several banks operating with a low credit rating. This allocation is formal and based only on customer reviews on the Internet. Large banks, such as Sberbank or VTB, will not provide loans to customers with a bad credit history. It is also important to remember that any bank has the right to refuse to issue a loan without giving reasons.

The amounts and interest rates in each bank depend on the purpose of lending, the availability of collateral and the client's credit history. Most often, in order to obtain a loan, you will have to agree to high interest rates, which means a large overpayment, as well as to connect the borrower to the life and health insurance service. Such measures from the bank are additional protection against risks. Customers with a bad credit history are high-risk customers that employees cannot trust based on words alone. However, it is better to agree to such conditions than to receive a categorical refusal.

If the credit history was damaged due to the fault of the bank, then you can apply for a new loan in it. On an individual basis, the application can be considered positively, since the client was not at fault, which means that there is no point in doubting his good faith.

Banks turned down? Going to MFI

In case of refusal in banks, the client can apply for a loan to microfinance organizations (MFIs). These are small private companies that specialize in issuing small loans at high interest on the basis of a passport and sometimes collateral.

Advantages of applying to the MFI:

• the term for consideration of the application - from 1 minute;
• it is possible to apply online without leaving home;
• credit history - most often not a reason for refusal, such organizations work with all clients and do not check credit ratings;
• of the documents - only a passport;
• proof of income and official employment is not required.

Disadvantages of MFIs:

• interest rates are high, interest accrues on a daily basis;
• frequent cases of fraud by MFIs;
• the work of the debt collection service is not distinguished by benevolence, it uses rude and often illegal methods in its activities - damage to property, calls at the wrong time, contacting relatives, friends, colleagues of the borrower, obscene speech, etc.;
• possible dependence on the receipt of funds - since the decisions are often positive, the client draws up one loan after another, not thinking about the consequences.

Below are the most popular MFIs among bad credit clients.

As a rule, loans in microfinance organizations are provided for up to several weeks, and interest is calculated by the day. Therefore, if we calculate the annual interest rate (as indicated in bank loans), then the figure will be impressive - above 100-200%. Therefore, obtaining loans in MFIs is very unprofitable. But only they provide amounts in the amount of 5,000 thousand rubles. In banks, loan amounts start at 50,000 rubles. If the client needs small loans, it is more profitable to issue credit cards, which will be discussed below.

Other ways to get money with bad credit

If the banks refused to receive a loan, then you can get a loan in another way:

1. Apply for a credit card - you can apply to those financial institutions that serve remotely, make decisions quickly without additional documents, only with a passport. One such organization is Tinkoff Bank. You can apply online or by calling the hotline.
   The credit card will come by mail or the courier will bring it. An indisputable plus of applying for a credit card is the presence of a grace period. Each bank has its own term, but on average - up to 50 days. This is the time when you can use the bank's funds and not pay interest. The limit on the card at the initial stage may be small, but with active use, the bank will constantly increase the amount.

Be extremely careful when contacting private lenders and third parties. Do not under any circumstances pay a commission, checking your solvency, "punching" services through the FSB, and so on until you receive the money. These are just cunning schemes of deception under the pretext of issuing a loan or a loan.

For clients with a damaged credit history, there is no 100% guarantee of loan approval in any of the organizations. However, there are options that allow you to get a loan even with a low credit score. Such borrowers should not despair, but should try to contact all organizations working to issue funds at interest or collateral.